Mortgage Affordability Calculator

Find out how much you can borrow for a UK mortgage in 2026. Based on real lender income multiples, stress tests and deposit analysis.

Buyer Type

Employment Type

Income & Deposit

Your Annual Income (£)

Partner's Income (£) (optional)

Deposit Amount (£)

Mortgage Details

Interest Rate (%)

Current avg 5yr fix: ~4.5–5.2%

Mortgage Term

Monthly Debt Payments (£) (optional)

Monthly Living Expenses (£) (optional)

How UK Mortgage Affordability Works

UK lenders assess affordability using income multiples, typically 4–4.5× your annual salary. They also run a stress test to check you could afford repayments if rates rose by 3%. Your deposit size determines your Loan-to-Value (LTV) ratio, which directly affects the interest rates available to you. A larger deposit means lower LTV, lower risk for the lender, and better rates for you.

Frequently Asked Questions

Most UK lenders offer between 4–4.5× your annual income. Joint applicants typically get 4× combined income. Professionals earning over £75,000 may qualify for up to 5.5× through specialist lenders.

⚠️ Important Disclaimer

TheCalcOra.com provides estimates for informational purposes only. Results are based on current UK law and EU regulations but may not reflect your exact circumstances. Always consult a qualified professional before making financial or legal decisions.